Now Reading: XRP Price Prediction 2026–2031: Can XRP Token Maintain Bullish Momentum?
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XRP Price Prediction 2026–2031: Can XRP Token Maintain Bullish Momentum?
Quick Summary
- Analysts project that XRP will test a maximum price of $3.40 by the second half of 2026, driven by institutional ETF inflows and the operationalization of the Ripple National Trust Bank.
- Despite a recent “sell-the-news” correction following the Ninth Circuit Court’s dismissal of the class-action lawsuit, long-term forecasts remain bullish with a potential high of $12.50 by 2028.
- Technical analysis indicates a short-term consolidation phase around $1.82, with the 50-day and 200-day SMAs signaling a critical decision point for traders.
- The $1 billion GTreasury acquisition, the Binance listing of the RLUSD stablecoin, and the GENIUS Act regulatory framework underpin XRP’s value.
XRP, the native asset of the XRP Ledger, has firmly transitioned from a speculative token to a core component of global financial infrastructure. Following the historic legal finality achieved in January 2026, investor attention has shifted to the asset’s utility in the $150 trillion cross-border payments market. In this detailed XRP price prediction, we analyze technical trends and market insights from 2026 through 2031.
As of January 30, 2026, XRP trades at approximately $1.82, marking a 4.5% daily correction. The current market capitalization stands at $110.7 billion, with a circulating supply of 60.85 billion tokens. XRP reached its all-time high of $3.84 in January 2018 and is currently navigating a post-litigation consolidation phase.
Technical Analysis: Short-term Volatility, Long-term Potential
Technical indicators show XRP compressing within a tight range, creating a “coiled spring” setup. The Fear and Greed Index is currently reading 20 (Extreme Fear), a counterintuitive signal that often precedes institutional accumulation phases.
The 50-day Simple Moving Average (SMA) at $1.90 acts as immediate resistance. A breakout above this level, specifically clearing the $1.93 pivot, will invalidate the current bearish pressure. Conversely, strong support lies at $1.65, a historical demand zone. The Relative Strength Index (RSI) hovers near 33, approaching oversold territory, suggesting that sellers may have exhausted their pressure.
XRP Price Predictions: 2026–2031
- 2026: Analysts expect XRP to recover from its Q1 consolidation, potentially reaching a high of $3.40 by mid-to-late year. They project the average trading price to be around $2.00, with support levels holding firm at $1.65.
- 2027: Forecasts suggest XRP could stabilize and trade between $1.97 and $2.50, averaging $2.13. This period likely marks the maturation of the Spot XRP ETFs.
- 2028: Prices are projected to accelerate significantly, with Standard Chartered forecasting a surge to $12.50. Conservative models suggest a range between $2.23 and $6.09, driven by the “utility supercycle” of global bank adoption.
- 2029: Predictions point toward sustained growth with a range of $6.47 to $7.74. This averages $7.43, as the RLUSD stablecoin captures significant market share in FX corridors.
- 2030: XRP is forecasted to trade in a wide range depending on SWIFT market share capture. Conservative estimates sit at $2.46, while bullish models predicting full banking integration suggest prices could exceed $90.
- 2031: XRP could maintain its bullish trajectory with a potential average price of $13.45, assuming it has established itself as the primary global bridge currency for stablecoins.
Catalysts and Risks
Positive factors include the dismissal of the Sostack class-action lawsuit by the Ninth Circuit on January 27, 2026, which removed the final legal overhang. The listing of RLUSD on Binance and the integration of Ripple Payments into the GTreasury platform (following a $1 billion acquisition) provide tangible transaction volume unrelated to speculation.
Potential macroeconomic headwinds or delays in the passing of the CLARITY Act pose risks, which the Senate Agriculture Committee marked up on January 29, 2026. While the legislative path looks promising, any gridlock could dampen institutional enthusiasm.
ALSO READ: Pi Network (PI) Price Prediction 2026–2030
Conclusion
XRP holds promising long-term investment potential, buoyed by federal banking charters and the GENIUS Act. While short-term price action remains suppressed by market fear, the structural fundamentals, legal clarity, ETF flows, and treasury infrastructure, suggest a significant repricing is on the horizon. Investors should conduct thorough due diligence and consider the asymmetry between current prices and future utility.
FAQs
XRP is a digital asset built for payments. The January 2026 Ninth Circuit ruling dismissing the class-action lawsuit provided absolute finality, meaning Ripple is no longer liable for billions in potential damages, clearing the way for unrestricted institutional adoption.
Long-term forecasts vary, with conservative estimates around $2.40 by 2031 and aggressive institutional models (like Standard Chartered’s) predicting upwards of $12.50 by 2028.
Some bullish models suggest that XRP could reach $90–$120 if it fully replaces SWIFT, but analysts consider this an optimistic “blue sky” scenario. Institutional analysts more widely accept a target of $12–$15.
RLUSD, now listed on major exchanges like Binance, drives volume on the XRP Ledger. As banks use RLUSD for settlement, they require XRP to pay for network fees and to bridge liquidity between different fiat currencies, creating consistent buy pressure.
Disclaimer: This article is intended for informational and educational purposes only. It does not constitute financial advice. Cryptocurrency investments carry significant risks, and readers should perform their own research or consult with a financial advisor before making investment decisions.
Editorial Note: This article has been written with assistance from AI. Edited & fact-checked by the Editorial Team.
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